ATV Insurance

Overview

ATV insurance provides financial protection for your all-terrain vehicle in case of accidents, theft, damage, or liability. Just like car insurance, it can cover things like collision damage, injuries, and even damage you cause to someone else’s property while riding. Depending on your policy, it can also protect against uninsured riders, trailer damage, and custom parts.

Many people assume their homeowner’s policy automatically covers ATVs—but in most cases, it doesn’t once you take it off your property or onto public trails. That’s why dedicated ATV insurance is so important.

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Comprehensive Coverage

This protects your ATV from damage or loss caused by non-collision events — like theft, fire, vandalism, weather, or hitting an animal.
Example: If your ATV is stolen from your garage or damaged in a wildfire, comprehensive coverage would help pay to repair or replace it

Collision Coverage

This pays to repair or replace your ATV if it's damaged in an accident — whether you hit another vehicle, a tree, a fence, or roll it over. (Does not cover off-road damage)
Example: If you flip your ATV while trail riding or crash into a rock, collision coverage helps cover the repairs.

Bodily Injury Liability

This covers medical expenses, legal costs, and damages if you’re found responsible for injuring someone else while riding your ATV.
Example: If you accidentally collide with another rider and they break their leg, this coverage helps pay their medical bills and protects you if you're sued.

Uninsured & Underinsured Motorist Coverage

This protects you if you're hit by someone who doesn't have insurance or doesn’t have enough coverage to pay for your injuries.
Example: If another ATV rider crashes into you and they’re uninsured, this coverage helps pay for your medical expenses, lost wages, and more.

Medical Payments Coverage

This pays for your medical bills (and your passenger’s), regardless of who’s at fault. It can cover hospital visits, ambulance rides, surgery, or rehab.
Example: If you fall off your ATV and need stitches or X-rays, this coverage helps pay out-of-pocket medical costs—even if you caused the accident.

RV Insurance

Overview

RV insurance is specially designed to protect the freedom-loving spirit of RV owners—those who embrace the open road, the scenic routes, and the joy of turning a vehicle into a home. Whether you own a motorhome, travel trailer, camper van, or fifth wheel, RV insurance ensures that your adventures stay enjoyable, even when life throws you an unexpected detour.

Unlike standard auto insurance, RV insurance blends elements of auto and home coverage, because an RV isn’t just transportation—it’s also your home on wheels. Whether you use your RV full-time or just for weekend getaways, this coverage is tailored to protect your investment, your belongings, and the experiences you create along the way.

RV insurance is about more than just protecting a vehicle—it’s about safeguarding your lifestyle, your memories, and your peace of mind. Whether you’re cruising through national parks, parked by a quiet lake, or exploring new states, having the right insurance coverage means you can focus on the journey, not the "what ifs." With RV insurance in place, the road is yours to roam—worry-free and ready for the next great adventure

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What rv insurance typically covers

Liability Coverage

Just like auto insurance, this covers you if you cause injury to someone else or damage their property while operating your RV. It’s essential protection, especially when navigating busy roads or crowded campgrounds

Collision Coverage

Helps pay to repair or replace your RV if it’s damaged in an accident, regardless of who’s at fault. This is especially important for newer or high-value RVs.

Comprehensive Coverage

Protects your RV from non-collision-related incidents such as theft, vandalism, fire, falling objects, or weather events like hail and windstorms. Whether you’re parked at a campsite or in storage, your RV is covered.

Personal Belongings Coverage

Covers the contents inside your RV—like clothing, electronics, kitchenware, and outdoor gear—that may be stolen or damaged due to a covered event.

Full-Timer Coverage

For those who live in their RV year-round, this coverage functions more like homeowners' insurance. It provides liability and additional living expenses if your RV becomes uninhabitable due to a covered loss.

boat insurance

Overview

Boat insurance is your trusted companion on the water—giving you the confidence to set sail, cast a line, or cruise the coast knowing you and your vessel are well protected. Whether you own a sleek speedboat, a cozy sailboat, a luxury yacht, or a peaceful pontoon, boat insurance is designed to safeguard your investment and your adventures against the unexpected.

Unlike your car or home, a boat lives in a world of waves, weather, and open water—where accidents, theft, and damage can happen suddenly. Boat insurance steps in to help cover costs and provide support when something goes wrong, so you can focus on enjoying the freedom and fun of life on the water.

Boat insurance is more than a policy—it’s peace of mind. It’s knowing that whether you're navigating a busy marina, anchoring in a quiet cove, or heading out for a weekend fishing trip, you’re protected against life’s surprises. With the right coverage, you can embrace every wave, sunset, and salty breeze, knowing you’ve got a strong safety net beneath your bow.

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what boat insurance typically covers

Physical Damage Coverage

Protects your boat, motor, and trailer against damage caused by collisions, storms, fire, theft, vandalism, and even sinking. Whether it’s damage from a submerged object or a sudden storm, this coverage helps pay for repairs or replacement of your boat and its attached equipment.

Liability Coverage

Covers you if you're legally responsible for injuries to someone else or damage to their property while operating your boat. If you accidentally hit another vessel, damage a dock, or someone is injured on your boat, liability coverage helps with legal costs, settlements, and medical bills.

Medical Payments Coverage

Helps cover medical expenses for you and your passengers if someone gets hurt on your boat, regardless of who’s at fault.

Uninsured/Underinsured Boater Coverage

Protects you if another boater causes an accident and doesn’t have enough (or any) insurance. This helps cover injuries or damages that you would otherwise have to pay out of pocke

Personal Effects Coverage

Covers personal belongings you keep on your boat—like fishing gear, water sports equipment, electronics, and clothing—that may be lost, stolen, or damaged during a covered event.

personal water craft

Overview

Personal Watercraft Insurance—often referred to as PWC insurance—is the perfect companion for anyone who loves zipping across the water on a Jet Ski, Sea-Doo, WaveRunner, or similar watercraft. Whether you're carving up the waves on a sunny afternoon or exploring calm coves with family and friends, this specialized insurance helps protect your ride and your peace of mind.

Personal watercraft are fast, agile, and fun—but they also come with unique risks. They're more exposed than larger boats, more prone to theft, and more likely to be involved in accidents due to their speed and maneuverability. That’s where PWC insurance comes in—it provides protection tailored to your lifestyle, so you can enjoy the thrills without worrying about the “what-ifs.”

While personal watercraft are built for adventure and speed, even the most experienced riders can face the unexpected. Personal Watercraft Insurance lets you ride with freedom and confidence, knowing you’re backed by coverage that understands the unique joy and risks of life on the water. So grab your life jacket, fire up the engine, and ride the waves—your insurance has you covered from launch to landing.

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ATV Insurance

Overview

Comprehensive Coverage

Collision Coverage

Bodily Injury Liability

Uninsured & Underinsured Motorist Coverage

Medical Payments Coverage

RV Insurance

Overview

What rv insurance typically covers

Liability Coverage

Collision Coverage

Comprehensive Coverage

Personal Belongings Coverage

Full-Timer Coverage

boat insurance

Overview

what boat insurance typically covers

Physical Damage Coverage

Liability Coverage

Medical Payments Coverage

Uninsured/Underinsured Boater Coverage

Personal Effects Coverage

personal water craft

Overview

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